Terms of Service

Welcome to overgaarddql.com. These Terms of Service ("Terms") govern your use of our website, services, and products. By accessing or using our services, you agree to be bound by these Terms. Please read them carefully.

1. Acceptance of Terms

By accessing or using our website, enrolling in our courses, or utilizing any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.

2. Services Description

overgaarddql.com provides financial literacy education services, including but not limited to online and in-person courses, workshops, mentoring sessions, and educational resources. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

3. User Accounts

Some of our services may require you to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and promptly update your account information
  • Protect your password and not share it with others
  • Notify us immediately of any unauthorized use of your account

4. Course Enrollment and Payment

When enrolling in our courses, you agree to pay all fees associated with the course. All payments are processed securely through our payment processors. Prices are subject to change, but changes will not affect existing confirmed enrollments. Refunds are available according to our Refund Policy outlined in Section 5.

5. Refund Policy

We offer refunds under the following conditions:

  • For in-person courses: Full refund if cancellation is made at least 14 days before the course start date. 50% refund if cancellation is made 7-13 days before the course. No refund for cancellations less than 7 days before the course.
  • For online courses: Full refund within 7 days of purchase if less than 30% of the course has been accessed. No refund after 7 days or if more than 30% of the course has been accessed.
  • Special circumstances may be considered on a case-by-case basis.

6. Intellectual Property Rights

All content on our website and in our courses, including text, graphics, logos, images, audio, video, and software, is the property of overgaarddql.com or our content suppliers and is protected by international copyright laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or use any content from our services without our explicit written permission.

7. User Conduct

When using our services, you agree not to:

  • Violate any applicable laws or regulations
  • Infringe upon the rights of others
  • Share your account credentials with others
  • Distribute or upload any harmful or offensive content
  • Attempt to gain unauthorized access to our systems
  • Engage in any activity that interferes with or disrupts our services

8. Limitation of Liability

To the maximum extent permitted by law, overgaarddql.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or in connection with your use of our services, even if we have been advised of the possibility of such damages.

9. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the reliability, accuracy, or availability of our services. We do not guarantee that our services will meet your requirements or expectations or be error-free.

10. Educational Content Disclaimer

The financial information and educational content provided through our services are for general informational and educational purposes only. They do not constitute financial advice, legal advice, or other professional services. Before making any financial decisions, consult with a qualified financial professional who can provide personalized advice based on your specific situation.

11. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Hong Kong, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in Hong Kong.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the updated Terms on our website. Your continued use of our services after such changes constitutes your acceptance of the new Terms.

14. Contact Information

If you have any questions about these Terms, please contact us at [email protected] or through our Contact Page.

Last Updated: June 15, 2023